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The car accident claim process

Roadworthy Total Loss: An Overview

After an accident, your car might be considered a "roadworthy total loss" (also called a "write-off").

What Does "Roadworthy Total Loss" Mean?

Your car is a roadworthy total loss if it's still safe to drive but the cost to repair it is more than 65-70% of its pre-accident value.

What does roadworthy total loss mean?

Why Insurers Write Off Roadworthy Cars

When a car is considered a roadworthy total loss, insurers deem it 'uneconomical to repair.' This means the combined cost of repairs and associated expenses (e.g. providing a courtesy car) exceeds the car's pre-accident value. In such cases, it's more cost-effective for the insurer to pay you the car's value before the accident rather than cover the extensive repairs.

Unfortunately, We Don't Handle Roadworthy Total Loss Claims

As an accident management company, we are able to provide claims management services by also providing replacement vehicles and supporting with accident repairs.

Since roadworthy total loss claims don't involve replacement vehicles or repairs, we don't handle them directly.

What to do if your car is a roadworthy total loss

What to Do if Your Car is a Roadworthy Total Loss

If you think your car might be a roadworthy total loss, it's important to get professional advice first to confirm this. We can help you determine if your car is a roadworthy total loss. If it is, we can provide guidance on the options available and help you make an informed decision.

We Recommend:

  • Talk to us: Our team can help you figure out what type of claim you have and what your options are.
  • Get an expert opinion: If you're not sure about the value of your car, an independent expert can assess it for you. This will help you get a fair settlement from the other at-fault driver's insurance company.
Claiming directly or through your insurance

Claiming Directly or Through Your Insurer

If we confirm that your vehicle is a roadworthy total loss, you can either claim directly through the at-fault driver's insurance or through your own insurer. But remember, claiming through your own insurance could:

We usually recommend not going through your own insurance first, but we can help you understand the pros and cons of each option.

Key Takeaway

It's always a good idea to talk to us first if you've been in a non-fault accident. We'll give you an honest and expert advice to help you make the right decision for your specific situation.

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